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The Midterm Edition

Every client’s midterm briefing. Your name on the cover.

PRIA reads every bill, rule and state law, prices what reaches each household you enroll, and writes it up in your firm’s brand. You make the call your clients remember.

Then $750 for your first year, up to 25 households. Cancel before day 7 and you pay nothing.

Harbor & PineWealth

The Midterm Edition · October 2026

For Dana and Chris Ellison

Your money and the midterms

We price everything Washington and Georgia are weighing for your household. Here’s what matters before November 3.

$7,900

Ahead in 2026 so far

You’re about $7,900 ahead this year. The federal tax hike set for 2026 did not take effect, worth $8,400 to you, and Georgia’s tax cut, refund and gas-tax pause add $1,400. Gas, tariffs and lower rates on your cash cost about $1,900.

This year

$17,500

A year short, from 2037

Your Social Security gap if Congress does nothing. Both past fixes raised taxes and cut benefits, and today’s gap is 2.5 times the one closed in 1983.

Rides on November

263

Bills and laws that change your money

We read all 5,321 bills in Congress, and 232 of Georgia’s 358 new laws so far. The biggest bill would cost you about $20,000 a year; it has one sponsor.

Long shot

In the last 30 days Washington and the states produced 5,085 bill updates, 1,647 federal rules and notices, and 609 state actions. We read every one for you.

Prepared by Jordan Avery, CFP®
Harbor & Pine Wealth

Research and figures byPRIASample household · Figures as of October 6, 2026

Fourteen pages about one household.

Each page ends in a talking point you can say as written. Download the sample (PDF)

  1. Page 2 of the sample Midterm Edition: Five things to know before NovemberPage 2Five things to know before NovemberLaw, markets and history, each read for this household.
  2. Page 3 of the sample Midterm Edition: The risk mapPage 3The risk mapEverything policy could do to their money, by how soon and how much.
  3. Page 7 of the sample Midterm Edition: Social SecurityPage 7Social SecurityWhat the gap means for their checks, and what each fix would cost them.
  4. Page 10 of the sample Midterm Edition: Gas and ratesPage 10Gas and ratesGas follows the war. Rates follow the Fed. Both in their dollars.
  5. Page 14 of the sample Midterm Edition: Your copyPage 14Your copyFive sentences to say, three questions clients ask, and how each number was figured.

Washington and the states moved 7,341 times in thirty days.

5,085
bill updates in Congress
609
state actions
1,647
federal rules and notices

We read every one, for every household you enroll. Thirty days to October 6, 2026.

  1. ReadHundreds of sources, every day: Congress and the Federal Register, every state legislature and governor, the courts, the agencies.
  2. UnderstoodEach bill, rule, order and opinion is read for what it does, the law it touches and who it reaches, and filed with the law it changes.
  3. MatchedEvery change is matched to the households it reaches: by age, income, coverage, home, state and the situations they live in.
  4. PricedPRIA’s simulation of the whole economy follows each one through prices, rates and wages to one household’s taxes, benefits and holdings.

Six facts to start. PRIA goes much deeper.

Six facts you already know are enough to read every bill and your state’s laws against a household. Enter them yourself, bring in a CRM export, or send the household a link in your firm’s name.

  1. Six factsBirth years, ZIP, income, coverage, home, retirement plans. The review is ready within a minute.
  2. The full pictureNine more facts and eleven situations, from a business to a child in college, change which laws reach them.
  3. Exact, from the returnA Form 1040 replaces every estimate with the return’s own lines.
The sample household, as enrolled
  1. Birth years1968 and 1970
  2. ZIP codeA Georgia ZIP
  3. Household incomeAbout $255,000 in wages
  4. Health coverageThrough an employer
  5. The homeOwned, fixed-rate mortgage
  6. Retirement and Social Security2034 and 2036

Then we keep watch all year.

  1. Before November 3

    The Midterm Edition

    What is on the table and what each outcome makes possible, in each household’s dollars.

  2. After the election

    The result, read for them

    A special edition on what the new Congress can pass and what that means for each household.

  3. Every quarter

    Household Policy Review

    Courts, laws, prices and rates, written up under the concerns your clients raise.

  4. After the State of the Union

    Special edition

    The president’s agenda, priced for each household.

  5. Any day a law changes

    An alert, with the dollars

    You hear what changed and what it does to that household’s taxes, benefits and holdings.

Every number shows its work.

PRIA prepares the research and stands behind its calculations. Your firm gives the advice. Your copy of each review carries the sources, the assumptions and the facts it used.

How the numbers are madeHow client facts are protected

From page 14 of the sample, the advisor’s copy
$7,900 ahead this year: PRIA’s tax engine: federal $8,420 lower than the law set to return, Georgia $789 lower (HB 463); Georgia’s refund, $500 (HB 1000); its gas-tax pause, about $90 (33.3 cents for 82 days). Less gas, $862 (1,190 gallons, BLS; 2026 U.S. average against 2025’s, FRED); cash, $508 ($90,000 times the Fed’s lower average rate); tariffs, $491 (the measured 5.9% rate).

Join as a founding firm.

Enroll your first households today and send each one its Midterm Edition before November 3.

Then $750 for your first year, up to 25 households. Cancel before day 7 and you pay nothing.

Questions

How does this fit beside planning software?

Your planning software projects the plan. We explain how government policy moves your clients’ taxes, benefits and holdings. Use the review in the same conversation.

What does it cost?

$1,500 a year for up to 25 households. The first 7 days are free, and founding firms pay half for the first year. Cancel before day 7 and you pay nothing.

What if I have more than 25 clients?

Start with 25. When you add the next household, or bring in a longer list, one click moves your plan up to 100 or 250 households. You see the price before you confirm.

We are a few advisors. Do we each need a plan?

One plan covers the firm. Invite your colleagues by email and everyone sees every household; seats are free and the plan counts households. Whoever started the plan holds the account and can hand it to someone else in one click. If two advisors keep separate books and want them kept apart, that is two plans.

Is six facts enough to say anything real?

Six facts place a household in the law: who is in it, where it lives, what it earns, how it is covered, how it is housed and when it stops working. That is enough to read all 5,321 bills in Congress and the state’s laws against it. The full picture, nine more facts and eleven situations, changes which laws reach them; a tax return makes every figure exact. Each review says which it was built on.

Which clients can I enroll?

Households in any state. PRIA covers the federal government and all 56 states and territories, so each review carries the household’s own state laws beside the federal ones.

Does it take a side?

Each edition reports the law today, dated market odds and history, and prices every outcome for the household the same way, whoever wins.

Who stands behind the numbers?

PRIA prepares the research and stands behind its calculations. Each review includes the sources and assumptions. Your firm gives the advice. Read our terms.

How do you protect client information?

Household facts and every review are encrypted, and your firm’s data is kept separate from every other firm’s. We read a tax return and discard the file, and keep no Social Security numbers, bank account numbers or street addresses. A client’s review opens for your firm, signed in, or for the household after a code sent to the email you have on file. Read our privacy terms and security details.